Lowest closing cost mortgage lenders in St. Louis city County, Missouri
In St. Louis city, Missouri, homebuyers paid a median of $4,029 in closing costs in 2024 — below the Missouri median of $4,120. The county saw 2,293 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $1,490, which is $2,315 less than the county median.
Homebuyers in St. Louis city County who chose Bank of America, National Association paid $2,539 less in closing costs than the county median.
County Median Costs
$4,029
−2.2% vs Missouri ($4,120)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,439
Purchase Originations
2,293
vs Missouri Median
2.2% below
$-91
vs National Median
40.2% below
$-2,712
Lender rankings in St. Louis city County
36 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,490 | 5.750% | $822 | 41 | −$2,315 | |
| 2 | $2,668 | 6.812% | $0 | 12 | −$1,137 | |
| 3 | $2,709 | 6.500% | $495 | 80 | −$1,096 | |
| 4 | $3,064 | 6.875% | $895 | 10 | −$741 | |
| 5 | $3,105 | 6.875% | $1,125 | 12 | −$700 | |
| 6 | $3,213 | 6.625% | $850 | 23 | −$592 | |
| 7 | $3,254 | 6.875% | $970 | 40 | −$551 | |
| 8 | $3,320 | 6.808% | $1,120 | 14 | −$485 | |
| 9 | $3,321 | 6.438% | $1,000 | 50 | −$484 | |
| 10 | $3,331 | 6.812% | $600 | 30 | −$474 | |
| 11 | $3,377 | 6.375% | $695 | 19 | −$428 | |
| 12 | $3,393 | 6.625% | $1,021 | 55 | −$412 | |
| 13 | $3,419 | 6.875% | $1,295 | 13 | −$386 | |
| 14 | $3,642 | 6.500% | $1,315 | 30 | −$163 | |
| 15 | $3,680 | 7.058% | $1,495 | 12 | −$125 | |
| 16 | $3,685 | 6.688% | $995 | 70 | −$120 | |
| 17 | $3,700 | 7.125% | $1,040 | 22 | −$105 | |
| 18 | $3,727 | 6.625% | $1,495 | 45 | −$78 | |
| 19 | $3,761 | 6.875% | $1,170 | 50 | −$44 | |
| 20 | $3,768 | 6.990% | $1,295 | 11 | −$37 | |
| 21 | $3,772 | 6.875% | $1,375 | 33 | −$34 | |
| 22 | $3,775 | 6.990% | $1,545 | 26 | −$30 | |
| 23 | $3,835 | 6.812% | $1,300 | 150 | +$30 | |
| 24 | $3,873 | 6.990% | $1,390 | 12 | +$68 | |
| 25 | $3,887 | 6.875% | $1,195 | 13 | +$82 | |
| 26 | $4,005 | 6.933% | $1,495 | 92 | +$200 | |
| 27 | $4,033 | 6.999% | $1,497 | 68 | +$228 | |
| 28 | $4,040 | 6.875% | $1,515 | 49 | +$235 | |
| 29 | $4,159 | 6.875% | $1,951 | 166 | +$354 | |
| 30 | $4,274 | 6.990% | $1,625 | 12 | +$469 | |
| 31 | $4,304 | 6.875% | $1,547 | 104 | +$499 | |
| 32 | $4,305 | 6.933% | $1,295 | 22 | +$500 | |
| 33 | $4,541 | 6.750% | $2,514 | 68 | +$736 | |
| 34 | $4,825 | 6.625% | $2,073 | 19 | +$1,020 | |
| 35 | $4,866 | 6.625% | $2,326 | 51 | +$1,061 |
Includes lenders with 10+ purchase originations in St. Louis city County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Missouri → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.